Hi All I am a newbie, although a rather jaded newbie. I had a financial planner that I joined a few years ago when I started work. (I work as a doctor, which will bring out teeth gnashing as you think to yourselves "ignoramus!"). Alas, yes, so be it. But now, having had some time to contemplate our finances, I realise the the planner was giving us products that really suited them at the time, without explaining many alternatives and getting into detail about options. I think they thought, correctly, that I was naive and gullible. I haven't lost too much money yet but have an expensive mortgage and a non-descript managed fund. Everything I read seems to say "get a financial planner!" But HOW and WHERE? I have been to Guest McLeod and Dixon advisory in my search for a new planner, but both seem expensive (> 1% ++ of assests under advice). Is this a standard fee? I want a fee-for-service advisor. Someone who is smart. Anyone got any good tips? PS: Please, PLEASE don't write me off too much. I am new at taking charge of my money.